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At Matterhorn, we specialize in insuring the full spectrum of the transportation industry. From independent contractors and freight brokers to motor carriers and fleet operators, our programs are built to deliver comprehensive coverage with efficient, tech-enabled access tailored to the pace and complexity of the transportation world.
Transportation Hub
Specialty Transportation
Coverage
Matterhorn Insurance Group provides comprehensive transportation insurance solutions across North America, including custom program design, digital product management, embedded coverage options, advanced technology services, and tailored risk management strategies for brokers, motor carriers, independent contractors, and freight brokers.
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Product Suite
Segments
Transportation
Transportation Team
Independent Contractors
Covered
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Independent Contractors
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Motor Carriers
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Freigth Brokers
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Logistics Companies
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Occupational Accident
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EO/DO
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NTL
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Physical Damage
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Travel
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Property
Motor Carriers
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Commercial Auto Liability
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Motor Truck Cargo
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Physical Damage
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Non-Trucking Liability
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General Liability
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Workers Compensation
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Occupational Accident
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Contingent Liability
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Excess Liability
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Cyber
Freight Brokers
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Truck Broker Liability
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Contingent Auto Liability
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Contingent Cargo
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Cargo Liability
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Excess Motor Truck Cargo
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General Liability
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Errors & Omissions
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Cyber
Transportation Program
Independent Contractors
At Matterhorn Insurance Group, we’ve built a national program specifically for independent contractors in the transportation sector — offering some of the most comprehensive and competitively priced coverage in the industry.
From daily hauls to long-haul logistics, our solutions are designed to protect what matters most — you, your health, your equipment, and your livelihood on the road.
Program Highlights
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Occupational Accident Insurance (Occ Acc)
Protection for work-related injuries, disability, accidental death, and medical expenses. -
Non-Trucking Liability (NTL)
Liability coverage when operating outside the scope of dispatch or for personal use. -
Physical Damage (PD)
Coverage for damage to your equipment, including collision, theft, fire, and vandalism.
Market Access
All of our independent contractor programs are backed by A-rated carriers and built through trusted national insurance markets. With broad market access and deep experience in the transportation sector, we deliver competitive, high-quality coverage — even for hard-to-place or specialized risks.
Our underwriting team understands the unique exposures faced by independent contractors on the road. We use that expertise to:
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Design coverage that reflects the realities of daily operations, contract obligations, and regulatory requirements
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Secure top-tier pricing through strategic placement and strong carrier partnerships
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Eliminate unnecessary gaps, exclusions, or generic policies that leave contractors exposed
The result: reliable, affordable, and purpose-built protection for today’s independent driver.
Trusted Partners
Matterhorn Insurance Group is proud to partner with both TIE (Truckers Integral to our Economy) and IROC (Independent Road Operators Coalition) — two leading organizations dedicated to supporting and advocating for independent contractors across the transportation industry. Through these partnerships, every client who enrolls in our insurance program is automatically granted membership into TIE and IROC, unlocking access to exclusive benefits, resources, and support.
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Transportation Program
Motor Carriers
At Matterhorn Insurance Group, we’ve built a national program specifically for motor carriers — offering some of the most comprehensive and competitively priced coverage in the industry.
From managing fleet operations to supporting independent contractors, our solutions are designed to protect what matters most — your drivers, your assets, your operations, and your bottom line.
Program Highlights
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Occupational Accident (Occ Acc):
Work-related injury, disability, accidental death, and medical expense coverage for independent contractors. -
Non-Trucking Liability (NTL):
Liability protection when contractors drive outside of dispatch. -
Physical Damage (PD):
Covers collision, theft, fire, and vandalism for owned or leased equipment. -
General Liability (GL):
Protection against third-party bodily injury and property damage off the road. -
Contingent Liability (CL):
Defense against misclassification claims related to independent contractors.
Market Access
All of our motor carrier programs are backed by A-rated carriers and built through trusted national insurance markets. With broad market access and deep expertise in the transportation industry, we deliver competitive, high-quality coverage — even for fleets with unique structures or complex risk profiles.
Our underwriting team understands the distinct exposures motor carriers face — from managing independent contractors to protecting owned assets and navigating evolving regulations. We use that expertise to:
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Design programs that align with real-world operations, compliance requirements, and contractual obligations
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Secure strong pricing and terms through strategic placement and carrier relationships
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Avoid gaps, exclusions, or one-size-fits-all policies that don’t reflect the realities of your business
The result: reliable, customized coverage built to protect your people, your equipment, and your bottom line.
Matterhorn Insurance Group is proud to partner with both TIE (Truckers Integral to our Economy) and IROC (Independent Road Operators Coalition) — two leading organizations committed to supporting independent contractors and elevating standards across the transportation industry. Through these partnerships, every motor carrier enrolled in our program can extend TIE and IROC membership benefits to their contracted drivers, providing access to a powerful network of roadside support, occupational benefits, compliance tools, and business resources. It’s one more way Matterhorn helps motor carriers strengthen their fleets, reduce risk, and attract top-tier drivers.
Trusted Partners
Transportation Program
Freight Brokers
At Matterhorn Insurance Group, we’ve built a national program specifically for freight brokers — delivering some of the most comprehensive and competitively priced coverage in the industry.
From coordinating shipments to managing contracts and carrier relationships, our solutions are designed to protect what matters most — your liability, your cargo exposures, your reputation, and your bottom line.
Program Highlights
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Contingent Cargo Liability:
Covers cargo losses if a carrier’s policy fails or falls short. -
Freight Broker Liability:
Protects against third-party bodily injury, property damage, and financial loss. -
Errors & Omissions (E&O):
Coverage for mistakes in logistics coordination or documentation. -
Contingent Auto Liability:
Steps in when a carrier’s auto liability coverage doesn’t respond. -
Cyber Liability (Optional):
Protection from data breaches, cyberattacks, and ransomware events.
Market Access
All of our freight broker programs are backed by A-rated carriers and built through trusted national insurance markets. With broad market access and deep expertise in logistics and supply chain risk, we deliver competitive, high-quality coverage — even for brokers with complex operations or niche specializations.
Our underwriting team understands the unique exposures freight brokers face — from contractual liability and carrier oversight to cargo protection and cyber risks. We use that expertise to:
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Design programs that align with brokerage operations, FMCSA requirements, and customer expectations
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Secure competitive pricing and strong terms through targeted carrier placements
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Eliminate coverage gaps, limitations, or generic policies that leave your brokerage exposed
The result: reliable, purpose-built protection for your business, your clients, and your reputation.
Trusted Partners
Matterhorn Insurance Group is proud to partner with both TIE (Truckers Integral to our Economy) and IROC (Independent Road Operators Coalition) — two leading organizations dedicated to supporting independent contractors and raising standards across the transportation industry. Through these partnerships, freight brokers enrolled in our program can offer added value to their carrier networks by connecting them with exclusive TIE and IROC benefits — including roadside assistance, occupational coverage, compliance resources, and business support. It’s one more way Matterhorn helps freight brokers build stronger carrier relationships, reduce exposure, and enhance their role as a trusted logistics partner.
Transportation Program
Enterprise Accounts
At Matterhorn Insurance Group, we specialize in working with enterprise-level clients who need more than just access to insurance markets — they need a strategic partner. Our team collaborates closely with brokers, risk managers, and organizational leadership to design, underwrite, and deploy custom insurance programs that address unique, high-stakes exposures.
Discovery & Risk Mapping
We start with a hands-on discovery process to understand your organization's structure, exposures, and operational goals — then map those risks into a framework for strategic coverage.
Custom Program Design & Carrier Alignment
Our underwriting team designs bespoke insurance programs aligned with your unique needs, leveraging our deep carrier relationships to secure the right terms, limits, and pricing.
Technology Integration & Automation
We integrate modern solutions — from policy portals and client dashboards to APIs and automated workflows — making enrollment, claims, and servicing streamlined and scalable.
Ongoing Program Management & Growth
We don’t walk away after bind. Our team stays engaged with ongoing support, data insights, performance reviews, and scaling strategies to ensure your program evolves as you do.
Let's Build Together
When you work with Matterhorn, you gain more than a market or a tech tool — you gain a strategic partner.
We work side-by-side with you to build, launch, and scale solutions that set your brokerage apart.
Let’s grow together — with purpose, performance, and partnership.
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